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11/18/25
PayPal’s 20% Cash Back Offer (up to $250 back per Transaction)! [US]
PayPal released a fantastic offer to select users. Now through 12/8, if you have the offer in your app/account, you can get 20% cash back on each of your purchases (up to $250 cash back per transaction) when you use PayPal's "Pay in 4" feature for each purchase. The rate drops to 5% after 12/8, and the overall promotion ends 12/31.
This is perfect timing for Black Friday shoppers and deal hunters. You can cut the cost of planned shopping without changing your routine, and you can also combine this offer with cashback portal signup bonuses and credit card offers below to maximize your earnings!
To use on the "Pay in 4" offer:
Open the PayPal app on your phone or (website if on desktop).
Navigate to the PayPal Rewards section.
Locate the "20% cash back on pay later purchases with PayPal through 12/8" offer.
Click the "Save offer" button to activate the promotion.
When making your purchases, be sure you use PayPal's "Pay Later" option during checkout.
Chase Freedom 5% Cash Back Offer Starting 12/1
Chase Freedom and Freedom Flex have PayPal set as a 5% cashback category starting 12/1. You can stack both offers. Make the "Pay in 4" purchase now. Simply enable the boosted PayPal cash back offer in your Chase account and make your remaining "Pay in 4" installments with your Freedom card in December - paying the remaining installments early - to earn the 5% additional cash back.
Combine with Cashback Portals for Signup Bonuses and Extra Cash Back!
You can start your checkout through a cashback site, then pay with PayPal's "Pay in 4". Many stores support this, which adds another return on the same order. And if you're new to the cashback portals you choose, you can score a signup bonus to boot!
Below are a few great cashback signup bonus promotions right now (you can find my full list of Cashback Portal options here):
Rakuten [Ends Soon; US, Canada] - https://www.referralworldnews.com/go/rakuten -
$30Increased $50 when you sign up using my referral link to create an account and make $50+ in purchase(s) at any of 3,500 popular retailers using Rakuten's cashback portal within 90 days.$30$50 unlimited referral bonuses, as well. This promo was originally set to expire in September but has been extended (end date unknown). More info here.
ShopBack [US, AU, DE, HK, IDN, KOR, MY, NZ, PH, SG, TW, TH, VN] - https://www.referralworldnews.com/go/shopback - code wBUA8m (if asked) - Get a
$5$15 signup bonus and unlimited$5$15 referral bonuses! Earn extra through their "quests", which offer extra perks such as "extra $5 when you shop any 3 brands". I've already earned over $17K in potential referral bonuses and received over $4.6K in payouts since signing up mid-February! More info here.RebatesMe [Ends 12/31; Worldwide] - https://www.referralworldnews.com/go/rebatesme - $5 cashback bonus when you sign up using my referral link and spend $15 or more within 30 days, and earn $10 in cashback within 90 days. Unlimited $15 referral bonuses as well! More info here.
Swagbucks [US, Canada, Americas, Europe, Asia, and parts of Africa] - https://www.swagbucks.com/profile/PMNSD - get up to $13 (1,300 SB) when you sign up. I've received over $5.4K to date through their various cash-back promotions, surveys, and opportunities! Signup bonus options:
300 SB ($3) when you earn 300 SB in your first 30 days
extra 1,000 SB ($10) when you make $25 in qualifying purchases through their shopping portal in your first 30 days
TopCashback [Ends Soon; US, CAN] - https://www.referralworldnews.com/go/topcashback - No signup bonus, but right now, get increased, unlimited
$10$15 referral bonuses! More info here.
How to stack everything correctly:
Open PayPal and save the 20% "Pay in 4" offer.
Start your shopping trip through a cashback site.
Check out with PayPal Pay in 4.
Starting December 1, pay off the remaining Pay in 4 installments early to capture the 5 percent PayPal category on Chase Freedom.
Confirm the Chase category is activated.
Keep your purchase records in case you need proof of eligibility.
Split Drop's New Two-Level Passive Earnings Promo! [Worldwide]
https://www.referralworldnews.com/go/splitdrop
Split Drop just launched a new November promotion. You now earn 25% of all earnings and bonuses from people you refer. You also earn 6.25% earnings and bonuses from the people they refer. And when you sign up through me, you'll still get a near-instant $5 cashout bonus when you earn and cash out your first $5!
But wait, there's more! You get a free spin when you join. You get three more spins when you enter SPINSFROMJJ during signup. And Split Drop offers a daily Drop Code for an extra spin. Earn another spin each day you earn five dollars. Each spin gets you $0.05-$250. You also get a limited-time 100% boost from all myChips offers. Torox and Torox Premium currently pay a 50% boost.
Your first $5 withdrawal earns a $5 cashout bonus, which can be redeemed to PayPal, Litecoin, Venmo, or used as gift cards from 44 stores, including Amazon, Visa, Walmart, Starbucks, and Apple. After your first withdrawal, you can cash out $1 to Venmo, Litecoin, Solana, Matic, or Near (and other options at a $5 minimum).
A few quick ways to earn:
The Sierra Club offer pays $34.72 when you sign up and make a $20 donation. The bonus and cashout reflect within minutes and can be withdrawn instantly. You can find it under Earn, then View All.
Check the myChips and Torox offers for 50-100% boosts.
Check Split Drop's Facebook, Instagram or Discord pages for daily Drop Codes and other special promotions.
More info in my featured post here. 
Stack Kraken with TopCashBack for $176 Bonus! [US/CAN]
https://www.referralworldnews.com/kraken - invite code 8kw5c9fh
Yesterday, I reported on a new stackable opportunity between Kraken ($75 signup bonus) and Rakuten ($150 cash back bonus + optional $50 signup bonus). Unfortunately, the Rakuten cashback offer was lowered to $50 today. Tgood news is that TopCashback has an increased $101 Kraken Cash Back offer! See step-by-step instructions from yesterday's article (below) and swap out the Rakuten instructions with TopCashback (the steps are the same). Or, you can still do the Rakuten stack with the $50 Cashback bonus which will be beneficial if you're new to Rakuten as you'll also trigger their increased $50 signup bonus! More info on Kraken and the guide to stacking promos here.
11/17/25
Kraken: Earn Up To $275 Signup With Stackable Bonuses! [US, CAN]
https://www.referralworldnews.com/kraken - invite code 8kw5c9fh
Kraken is offering a great $75 signup and referral bonus promo right now, and what makes this Kraken offer so great is that you can stack the offer with increased cashback promos from Rakuten. You can earn $75 from Kraken, $150 from Rakuten, and a $50 Rakuten signup bonus (if you are new to Rakuten). This is a U.S. offer that requires a $200 crypto trade, excluding stablecoins. Deposit at least $202 to cover the trading fee.
You can sell your crypto once the trade settles. Withdrawal holds are common for new accounts. Some users see a 72 hour hold. Some see up to 7 days. This applies to withdrawals only.
Your Kraken bonus appears in your account within approximately 14 days. The $150 Rakuten cashback bonus will reflect as pending within 2-3 business days (as will the $50 signup bonus if applicable). Rakuten pays confirmed balances on a quarterly schedule (next payout is 2/15).
Summarized:
$75 from Kraken for signing up with a referral code and trading $200
$150 from Rakuten for completing a $200 crypto trade after clicking through their portal
$50 from Rakuten if you are a new user and sign up through a referral link
Steps to stack the bonuses:
Sign up for Rakuten if you are new.
Log in to Rakuten, search for the Kraken $150 offer, and click "Shop Now".
Create your Kraken account and be sure to click the "Add Invite Code" and enter invite code 8kw5c9fh
Deposit $200 or more.
Buy $200 worth of Bitcoin or another eligible cryptocurrency. Do not buy stablecoin as it doesn't qualify for the $75 Kraken bonus.
Sell and withdraw from Kraken after the trade settles in 2-3 business days (if you choose).
For more info and screenshots, see my featured post here.
11/16/25
MoneyLion's Near-Instant Increased Bonuses Roaring through 11/24! [US]
https://www.referralworldnews.com/go/moneylion
If you haven't signed up yet, MoneyLion's quick $10 Referral Rush bonus promotion ends 11/24, which means you’ve got just over a week left to take advantage of one of the most rewarding referral programs in Referral World right now.
To give you an idea of how lucrative this one app can be: Since November 1st alone, I’ve earned $2,420 from referral bonuses. Over $23K since New Year's Day. And my all-time total is now over $35.1K!
You'll get $5 $10 just for linking your current bank account (no spend or deposit requirement), along with an extra $50 when you transfer at least $100 to your MoneyLion account either through DD or from your Current or Found apps within 60 days! $10-$60 referral bonuses as well, and bonuses pay out nightly (making these bonuses near-instant)!
Pro Tip: Don’t leave that free money on the table! If you signed up recently and got your initial signup bonus, don’t forget to complete the $100 deposit to unlock the additional $50 bonus. More info on MoneyLion's promotion here, and for more great banking signup and referral bonuses, see my curated list here.
Extended OnePay Promo: $50 Signup, $100 Referrals! [Ends 2/15/26; US]
https://www.referralworldnews.com/go/onepay
OnePay (formerly One Finance) just extended a great US promo that was supposed to end yesterday. You get a $50 signup bonus when you open a new account and receive $500 or more in qualifying deposits in a calendar month. These include direct deposits from work, gig apps, Social Security, and unemployment benefits. Some users have also triggered it with ACH transfers from Current, Found, or Square Pay (YMMV).
Referrals are worth $100 each, with a cap of ten ($1K total). Bonuses are usually posted within one to two business days, and sometimes on the same day.
The account comes with a virtual Mastercard you can add to Cash App, Apple Pay, and Google Pay. P2P payments are supported. SSN is required, but most users don’t need to upload ID (YMMV).
Promo ends 2/15/26. More info here, and find even more banking bonuses here (along with tips to trigger the bonuses easily).
11/15/25
Happy Birthday, L and Cecilia!
It's my sister, L's, birthday today! It's also RWN supporter, Cecilia D's birthday. Happy birthday to you both!
11/13/25
Kalshi Quietly Changed Bonus Terms! [US]
https://www.referralworldnews.com/go/kalshi
I covered Kalshi’s new $10 promotion yesterday. After posting, RWN supporter Daniel M. shared with me that Kalshi bonus payout structure has changed. Previously, you could cash out each bonus once it landed in your account. That is no longer the case. Bonuses now must be used to make a trade(s) within 30 days. If you don't trade the bonus, it is forfeited. You can't withdraw the bonus itself, but you CAN withdraw the winnings from said trade(s).
If you plan to refer Kalshi or use the promotion yourself, make sure you trade the bonus before the 30-day deadline. I will keep an eye on any other changes and report back if Kalshi adjusts the policy again. For more info on Kalshi, see my featured post here.
Screenshot courtesy of Daniel M.
11/12/25
Increased $10-$60 MoneyLion Bonuses are Back, End 11/24! [US]
https://www.referralworldnews.com/go/moneylion - code $55BONUS
My biggest moneymaker is back with its famous "Referral Rush" promo! Through 11/24, get an increased $10 signup and unlimited $10 referral bonuses from MoneyLion (double their standard $5 bonuses). Earn $50 more as you or your referees trigger the deposit bonus, which can be done through direct deposit or by making a $100+ transfer from within Current or Found.
MoneyLion has been my biggest earner month after month and topped my Biggest Whales list again in October ($3,815 earned, my highest month to date)! I've already earned $1,285 so far this month and over $4K since signing up (with more bonuses on the way). See my featured MoneyLion post for more info.
Kalshi Returns With New $10 Bonuses [US]
https://www.referralworldnews.com/go/kalshi
Kalshi, the prediction market app that briefly appeared in Referral World back in September with a short-lived $40 signup and referral bonus, is back with a new promotion. The original $40 offer disappeared after only a day or two, so many readers never had a chance to try it.
This time, Kalshi is running a $10 signup bonus and $10 per referral, capped at 10 referrals total for a maximum of $100 in referral bonuses. That makes it a smaller promotion than the original September run, but it still offers another way to earn by sharing an app that pays out real cash for completed referrals.
To trigger the signup bonus, new users need to:
Open a Kalshi account
Connect a debit card and make a small deposit ($10.20, so there is enough to place the first trade)
Place at least one qualifying $10+ trade, such as buying 1000 penny contracts in one of Kalshi’s event markets (for instance, "Highest temperature in Chicago today").
Once that first trade settles, the $10 bonus is credited, and you get your own referral link. Each friend who signs up through your link, funds their account, and completes the required first trade earns you an additional $10, until you reach the 10-referral cap.
Kalshi itself is a regulated event-based trading platform, not a casino or sportsbook. Users trade yes-or-no contracts on real-world events across various domains, including politics, economics, weather, and sports, with pricing determined by market supply and demand. The service operates in most U.S. states under federal oversight, although a handful of states are still excluded, and users must be at least 18 years of age.
If you want one more app to work into your referral rotation, Kalshi’s new promo gives you an opportunity to earn $100+ and is worth checking out. More info here.
OKX’s $50 Signup and $150 Referral Bonuses! [Ends 11/24; US]
https://www.referralworldnews.com/go/okx - code 32247408
OKX has rotated its promo again, and the current offer is not as high as recent offers but is still a good one. This limited-time promotion runs through November 24. New users get a $50 signup bonus with a $200 deposit. Referrers earn $150 per referral, up to five referrals.
In the past month, OKX has offered several high-value variations. When I joined last month, the promo was $200 for signup and referrals. After that, they switched to $100. This round is lower on signup ($50) but higher on referrals ($150). All versions have been good opportunities to earn.
Once triggered, OKX typically credits the bonus within minutes. You must keep the deposit in your account for 30 days for the bonus to unlock for withdrawal. For screenshots, steps, and the full walkthrough, see my featured post here.
NEON’s Constant Changes, Daily Emails, and Now a Full Pause!
NEON pushed another update today, and the app now displays a pop-up stating that the service is paused for most users. According to the message, they plan to reopen it after they have finished making more changes. This follows a full week of daily emails, where they continually adjust payouts, limits, and referral rules.
In the last week alone, I counted five NEON updates in my inbox. Each one included new changes. Some were minor fixes. Some were full resets. NEON also keeps mentioning honest or trustworthy users. That wording suggests they believe many users are abusing the app. It creates tension and uncertainty for everyone who is using the app as intended.
Today’s pause adds to the bigger issue. NEON has become unpredictable. At any given time, members are unsure whether the app will load, accept calls, or pay out. NEON's payout formula has changed several times in a single month. Referral terms shift without warning. Users have also reported bugs, payment delays, and sudden limits. It has reached the point where I can no longer recommend NEON as a reliable app/marketing option.
If you have the patience to keep calling and referring through all of this, you deserve credit. It takes endurance to deal with daily changes and a service that is so volatile. Fortunately, there are many more stable options available in Referral World.
If NEON launches a stable relaunch and maintains consistent rules, I will revisit it. Until then, proceed at your own risk.
Free Turkey and Fixings From Ibotta! [US]
https://www.referralworldnews.com/go/ibotta - code UGQLQEG
Ibotta is still running its Thanksgiving promotion. Just refer one friend, and you'll unlock a free turkey. The offer provides up to $22.99 in cash back. The credit appears in your Ibotta account, and you must redeem it within one week of receiving it.
The timing helps. Grocery prices keep climbing. Many households are struggling to keep up. Federal workers were without pay for several weeks. A free turkey and free sides can take pressure off families who feel the hit every time they walk into a grocery store.
The “Thanksgiving on Us” campaign is active all month. Ibotta is adding new items each week. Recent additions include gravy, potatoes, and pie. Each item is eligible for 100% cash back while supplies last.
There is also a sweepstakes running through November 30. Each qualifying purchase or referral counts as an entry. You can find the entry link and full details in my featured post here.
Free Year of Grubhub+! [US]
https://www.referralworldnews.com/go/grubhub
Great news for Grubhub customers: Right now, you can score a free year of Grubhub+! The promotion appears to be targeted towards New York Metro customers but according to numerous reports, the offer is actually available to everyone. To get in on it, click on the link here. And if you haven't signed up yet, be sure to first use this link so that you can also score $10 off your first $15 order!
BC Hydro Peak Saver's $10 Bill Credit Promo! [BC]
https://www.referralworldnews.com/go/bchydro - code 0F13E8060A64
This referral tip comes from RWN supporter Daniel M! If you live in British Columbia and have BC Hydro, you can earn a $10 bill credit by joining Peak Saver with a referral code such as 0F13E8060A64.
BC Hydro runs Peak Saver as a seasonal program. You join, take part in short energy reduction challenges, and receive rewards at the end of the season. The referral bonus pays out once your account is active and linked to the program.
This is a simple, low-effort credit for anyone who is already a BC Hydro customer. For even more value, you can also link a supported smart device directly in the app.
Fine print to know
You must be a BC Hydro customer in British Columbia.
Credits post at the end of the seasonal Peak Saver period.
Referral bonus is $10 per person, based on the screenshot you provided.
BC Hydro does not publicly disclose a referral limit.
Participation requires accepting the Peak Saver program terms in your account.
Seasonal windows: Winter runs from November through March. Summer runs from June through September.
SnapThePrice: Unpaid Bonuses, Bugs, and Ignored Support Tickets! [US]
SnapThePrice looked promising when it first hit Referral World. Many users earned earlybird bonuses, and the idea behind the tool sounded useful. Now the situation has shifted. The app is having serious issues, payments are not being sent, and support requests are being ignored.
My own account shows a cashout of $20.90 from October 23, 2025. It has been pending for twenty days. Their terms say payouts take only a few days. I also have $20.35 more available, but every attempt to cash out returns an error that says the request failed.
The platform is also riddled with bugs. The AI shopping assistant does not load or respond. The Chrome extension returns poor or irrelevant comparisons. Daily activity tracking is inconsistent. These problems make it almost impossible to complete the actions needed to unlock bonuses.
The bigger issue is the lack of support. I reached out on October 22, October 25, October 27, and October 31. Every email has been ignored. From what I can tell, many users are stuck in the same situation with missing payments and no communication.
At this point, I'm labeling SnapThePrice as a waste of time. Whether it is intentional or the result of a collapsed system, they are failing to honor their payouts. Anyone who signed up and is missing bonuses should consider leaving a review on Google Play and/or other review sites. Enough feedback may prompt them to address these problems. Note that I would normally recommend that users contact support, but considering my own experience, I don't think that will be of any benefit. I will update this story if payments resume or support responds.
Promos Ending Soon! [Multiple Countries]
As you may know, many of these signup and referral bonuses are limited-time offers (like Fetch and OKX mentioned above). More apps ending soon include:
Bigcash (AKA BigCashWeb) [Increased Promo; Ends Soon; US] - $1-$100 instant signup bonus when you sign up using link https://www.referralworldnews.com/go/bigcash in your Chrome or Safari browser and enter Promo Code JJBONUS. Spend $5 in any game/offer and cash out earnings at $3 to trigger bonuses and earn unlimited
$3$25 referral bonuses PLUS 50% lifetime earnings from every referral (ends 11/3). Earn additional bonuses when you cash out larger amounts (ie, extra $15 when you cash out $20, extra $40 when you cash out $60)! Since signing up on 2/17, I've already received over $1.6K in bonuses! More info here.Current [New Promo, Ends 11/18; US] - https://www.referralworldnews.com/go/current - Code JOHNM363 -
$50$150 signup bonus when you receive a qualifying ACH/direct deposit of $200+ in your first 45 days.$50$150 referral bonuses (up to $1K bonuses per calendar year). More info here. Current is one of two known banks that can trigger MoneyLion's $50 deposit bonus and Ally's $100 deposit bonus! Email me if you're interested in how to trigger the direct deposit bonus! More info here.Rakuten [Ends Soon; US, Canada] - https://www.referralworldnews.com/go/rakuten -
$30Increased $50 when you sign up using my referral link to create an account and make $40+ in purchase(s) at any of 3,500 popular retailers using Rakuten's cashback portal within 90 days.$30$50 unlimited referral bonuses, as well. This promo was originally set to expire in September but has been extended (end date unknown). More info here.Stash [Ends Soon; US] - https://www.referralworldnews.com/go/stash -
$20$50 when you join and add $5 or more to your personal investment or bank account from any source. $50 referral bonuses as well ($1K yearly cap). I earned $90 just last month! Stash frequently holds Stash StockParties, awarding members pieces of free stock! Note that this was supposed to end 9/14 but they've extended it to "Limited Time" (exact end date TBD). More info here.TopCashback [Ends Soon; US, CAN] - https://www.referralworldnews.com/go/topcashback - No signup bonus, but for a short time, get increased, unlimited
$10$15 referral bonuses! More info here.
You can find more limited-time offers in my featured post here.
Did You Know?
Did you know that while I publish a new issue of Referral World News each week, I update each weekly post daily? Bookmark https://www.referralworldnews.com and check back throughout the week for the latest articles and updates!
Recap of Last Issue’s RWN:
Stash Referral Links Now Expire After Two Weeks! [US]
Fetch's Increased $4 Referral Bonuses (Ends Tonight)!
Happy Birthday, D!
MyAppFree's Increased $20 Bonuses End Tonight! [Brazil, EU]
GotGame AI Game Tonight at 8 PM EST! [Worldwide]
Neon's Inconsistency, Confusion, and Member Loyalty!
Free Turkey, Fixings, Sweepstakes From Ibotta! [US]
MyAppFree's New Instant $20 Referrals! [US, Brazil, EU; Ends 11/9]
Current’s New $150 Signup and Referral Bonuses! [Ends 11/18; US]
Bigcash's $25 Bonus Promo Extended! [US]
Aven's Monthly Cap Reset [US]!
November's List of 100+ Legit Bonus Opportunities! [Worldwide]
October's Whales Earned me over $7.1K! [Worldwide]
MoneyLion Back to Full Speed, Pays Nightly Again! [US]
Stash's $50 Bonuses Extended! [US]
Neon’s $30/day Payouts Return, Now on iOS! [Ends 11/5]
JIM App’s Viral Return Raises Questions About Referral Terms [iOS Only]
Nationwide Elections Highlight the Value of Voting and Civic Rights [US]!
Promos Ending Soon! [Multiple Countries]
Did You Know?
Have a Referral News Tip?
Please email me at [email protected] if there's any new app or referral news you think I should know about and/or would like to see featured in Referral World News! If you're a subscriber and I haven't included the app yet, I might surprise you by featuring your link in the article!
Check out my profile, where you can follow me and find my latest posts! You can also follow me on FB (#1 and #2) Find more of my referrals at https://www.referralworldnews.com/referrals.
RWN's FB Page: https://www.facebook.com/referralworldnews/
RWN's Bluesky Page: https://bsky.app/profile/referralworldnews.com
